Savings

CBU — Capital Build-Up

Your savings with Kabuhayan. Not a fee — your money grows while it sits with us.

How CBU Works

Per Loan

PHP 200

Deducted from disbursement

Incentive

1%+

Compound per cycle

Withdraw

Anytime

Free on exit, 15% early fee

Your Savings, Your Money

CBU is deducted from your loan disbursement, but it remains your money. It earns interest per completed loan cycle (compounding). You can withdraw it anytime — free if you exit the program, or with a 15% fee for early scheduled withdrawals. Think of it as a forced savings plan that pays you.

Interest Rates by Tier

Standard Tier

1%

per cycle

Loyalty Tier

1.25%

per cycle

VIP Tier

1.5%

per cycle

Withdrawal Options

📅

Scheduled Withdrawal (30 days)

No penalty. Submit a request and receive your funds after 30 days. Your money continues earning interest during the waiting period.

🚪

Program Exit

No penalty. If you decide to leave the program, your full CBU balance is released.

Early Withdrawal

15% fee applies. Get your money immediately when you need it. The fee covers the early release of funds that are actively generating interest.

Voluntary Deposits

Want to grow your CBU faster? Make extra deposits via the borrower portal.

📱

GCash / Maya

Via Dragonpay

💳

Credit / Debit Card

Via Stripe

Minimum deposit: PHP 50.00. Log in to your borrower portal to make a deposit.

CBU Growth Simulator

See how your savings grow over multiple loan cycles with compound interest.

Select your tier

Deductions

PHP 1,000

Interest Earned

PHP 30.40

Total CBU

PHP 1030.40

Standard Tier — 1% compound interest per cycle

How the simulator works:

Each completed loan adds PHP 200 to your CBU. At the end of each cycle, your entire balance earns compound interest at your tier rate. Voluntary deposits are added before the first cycle and also earn interest.

Ready to start building your savings?

Every loan you complete adds to your CBU. The longer you stay, the more it grows.

Learn About Agimat XP →Apply for a Loan